Divisions of Lowry Capital. Wealth Management Division. Institutional Division. Clients. Clients. Strategies. Strategies. Management of Accounts
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1 Divisions of Lowry Capital Wealth Management Division Clients High Net Worth Individuals Taxable Brokerage Accounts Tax-Deferred Accounts Annuities Strategies Total Return Enhanced Total Return Income Plus Risk Management Capital Preservation ETF Advantage Enhanced ETF Advantage Allocations Lowry Asset Allocation Lowry Enhanced Asset Allocation Custom Asset Allocation Institutional Division Clients Pensions, Corporate Accounts, Endowments, Family Offices, Fund of Funds Strategies Institutional Total Return Lowry Institutional Advantage Management of Accounts For each account a model strategy will be determined and the investments in the account will be dictated by the model strategy. 1
2 Wealth Management Division Strategies Total Return An equities-only strategy that seeks to out-perform the major price indexes by: 1) during market uptrends, investing in those stocks that are displaying the best investor Demand as indicated by Lowry s Power Ratings 2) during market downtrends, move to a heavily defensive position and, at times, 100% cash and cash equivalents. Income Plus Risk Management This mixed equity and fixed income strategy seeks to provide income via dividends and interest. Depending on market conditions, the strategy will shift between stocks, bonds and cash to produce income. Enhanced Total Return An equities only strategy that seeks to out-perform the major price indexes by: 1) during market uptrends invest in those stocks are displaying the best investor Demand as indicated by Lowry s Power Ratings and, during certain times, enhance returns using leveraged ETFs. 2) during market downtrends, move to a heavily defensive position, with as much as 100% cash and cash equivalents and, at certain times, enhance returns by investing in inverse ETFs. Capital Preservation This strategy is to preserve capital through investments in bonds with short term maturities, CDs, bond ladders, and cash. ETF Advantage This strategy will only invest in ETFs and is designed for accounts will small balances. This strategy will hold a maximum of 7-10 ETF positions. Enhanced ETF Advantage This strategy will only invest in ETFs and is designed for accounts will small balances. This strategy will hold a maximum of ETF positions. During certain periods in the market, this strategy may hold leveraged or inverse ETFs. 2
3 Wealth Management Division Allocations Lowry Asset Allocation Based on the conditions of the market, this strategy will invest a certain percentage in the Total Return strategy and the remainder in the Income Plus Risk Management strategy. The purpose of this strategy is to shift investments to the areas of the market that are performing the best. Client will set a minimum cash/short term investment amount. Lowry Enhanced Asset Allocation Based on the conditions of the market, this strategy will invest a certain percentage in the Enhanced Total Return strategy and the remainder in the Income Plus Risk Management strategy. The purpose of this strategy is to shift investments to the areas of the market that are performing the best. Client will set a minimum cash/short term investment amount. Custom Asset Allocation This strategy will allocate the funds across four strategies. The allocations will be in initial increments of 20%. An allocation may also be made to legacy investments and niche investments. 3
4 Wealth Management Division Allocations Sample Custom Wealth Allocations Client #1 Moderate Total Return Strategy 40% Enhanced Total Return Strategy 20% Income + Risk Management Strategy 20% Capital Preservation 20% Client #2 Aggressive Total Return Strategy 20% Enhanced Total Return Strategy 80% Income + Risk Management Strategy 0% Capital Preservation 0% Client #3 Conservative Total Return Strategy 40% Enhanced Total Return Strategy 0% Income + Risk Management Strategy 20% Capital Preservation 40% Note: This strategy can be implemented by account or by household. 4
5 Institutional Division Strategies Institutional Total Return An equities-only strategy that seeks to out-perform the major price indexes by: 1) during market uptrends, investing in those stocks that are displaying the best investor Demand as indicated by Lowry s Power Ratings 2) during market downtrends, move to a heavily defensive position and at certain times,100% cash and cash equivalents. Lowry Institutional Advantage An equities only strategy that seeks to out-perform the major price indexes by: 1) during market uptrends invest in those stocks are displaying the best investor Demand as indicated by Lowry s Power Ratings and, during certain times, enhance returns using leveraged ETFs. 2) during market downtrends, move to a heavily defensive position, with up as much as 100% cash and cash equivalents and, at certain times, enhance returns by investing in inverse ETFs. Note: This account includes a performance fee. 5
6 Management Fees Wealth Management Division Institutional Division Value of Household Assets Under Management $250,000-$1,000, % (0.375% per quarter) $1,000,001-$5,000, % (0.3125% per quarter) >$5,000, % (0.250% per quarter) Value of Account Under Management Institutional Total Return Strategy: $1,000,000-$5,000, % (0.25% per quarter) >$5,000, % (0.1875% per quarter) Lowry Institutional Advantage: $1,000,000-$5,000, % (0.1875% per quarter) plus 10% performance fee* >$5,000, % (0.0125% per quarter) plus 10% performance fee* * Performance fees are paid quarterly in arrears and subject to a high-water mark. 6
7 Investments Total Return Individual Equities, ETFs (excluding leveraged and inverse ETFs), and Cash and Cash Equivalents Enhanced Total Return Income Plus Risk Management Individual Equities, ETFs (including leveraged and inverse ETFs), and Cash and Cash Equivalents Dividend Paying Equities and ETFs, Bonds, Bond Funds, and Treasuries Capital Preservation Cash and Cash Equivalents, CDs, ETFs, Short Term Bonds, and Treasuries 7
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